Planning for risks that impact your financial security and lifestyle

Your Life Insurance, Disability Insurance – earned income protection and Long-term Care Insurance are financial products that help safeguard your financial future and wealth. How do you know if you have the right amount of coverage? Or, whether the insurance products that you presently own are properly structured and efficiently priced for meeting your needs?

We counsel busy professionals and entrepreneurs in planning and preparing for the financial risks that could occur during one’s lifetime.

THOUGHT LEADERSHIP

At LC Advisor we are product knowledge experts with experience and resources to help transfer financial risks. The continuum of risks during one’s lifetime range from:

Premature Death

A committed couple with children needs life insurance. The life insurance cash payment at death provides cash to pay current mortgage, existing educational loans, credit card debts, future education tuition and replacement of wage earners income. Life Insurance Calculator.

Longevity Risk — Long-term Care Planning

The risk of outliving your assets as a result of a long-term care triggering event requiring skilled care in a facility or home care. Fidelity Investments’ 2018 annual survey revealed that a 65-year old couple retiring this year will need $280,000 to cover healthcare expenses throughout their lifetime. The $280,000 does not include the costs of Long-term care expenses.

Disability Insurance — Earned Income Protection

Protects earned income. Typical company sponsored group disability plans have monthly limits and bonus compensation is not covered. People insure their cars, homes, businesses and lives. Why would you not protect your earned income? LIMRA Reference

Executive Benefits

The ability to retain, attract and reward senior key employees can make a difference in the success of your business or non-profit. Retaining and attracting “rock star” talent impacts non-profits. Non-profits need to compete for talent just as much as For-profits. Overview video

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